Can a debit or credit card saved to Apple Wallet be used for EFT billing?

When a debit or credit card is saved to Apple Wallet, the card number is typically represented by a tokenized version of itself for security purposes. This means that the last four digits of the card number may not match the actual card number displayed on the physical card. In electronic funds transfer (EFT) billing, this tokenized number can create complications, as the system may require the actual card details to process payments accurately. Thus, the change in the last four digits can lead to authorization issues when attempting to use the card for EFT billing.

This understanding highlights the importance of using the actual card number, rather than a token, for services that require precise card identification. Other options do not address the specific nuance of the tokenization process, focusing either on potential usage without recognizing the limitations or incorrectly narrowing the type of card influencing EFT compatibility.